CNFinance Holdings Ltd

CNF · NYSE · Financial Services / Mortgage Finance

1.87USD+0.00 (0.00%)

Price History

Full chart

Market Stats

Previous Close1.87

Open2.00

Day Range1.86 – 2.00

52-Week Range1.74 – 6.49

Volume89

Market Cap33.21M

P/E (TTM)0.00

Forward P/E2.18

EPS-9.86

Dividend Yield0.00%

Beta-0.15

50-Day Avg2.19

200-Day Avg3.71

About

CNFinance Holdings Limited, through its subsidiaries, provides home equity loan services in Mainland China. The company offers micro credit loan services for micro and small-enterprise owners; loan facilitation, post facilitation, and guarantee services for commercial banks; and loan lending agency services for financial institutions. It also provides bridge loan products, which are unsecured short-term loans to pay off borrowers' existing loans secured by real property. CNFinance Holdings Limited was founded in 1999 and is headquartered in Guangzhou, the People's Republic of China.

Company Details

SectorFinancial Services
IndustryMortgage Finance
CEOMr. Zhai Bin
Employees326
HeadquartersSouth Finance Center, Guangzhou, China, USA
Websitehttps://www.cashchina.cn

Leadership

Mr. Zhai BinChairman & CEO · b. 1971
Mr. Jun QianVP & Director · b. 1975
Ms. Jing LiActing CFO, Assistant President and Head of Department of Finance & Internal Control · b. 1981
Mr. Christian ArnellInvestor Relations Officer, Christensen IR
Ms. Huiling JiangVice President · b. 1981

Financials

Income Statement

Currency: CNY	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Revenue	1.31B	3.42B	4.28B	3.10B	1.83B	1.37B	1.84B	1.84B	1.60B	625.95M
Growth (%)	-	+161.61%	+25.32%	-27.57%	-40.87%	-25.17%	+34.38%	-0.39%	-12.90%	-60.88%
Cost of Revenue	554.02M	1.72B	2.38B	1.67B	808.66M	471.69M	1.00B	841.73M	771.80M	81.68M
Gross Profit	752.14M	1.70B	1.91B	1.43B	1.03B	900.76M	841.97M	995.45M	828.34M	544.27M
Gross Margin	57.58%	49.76%	44.50%	46.08%	55.91%	65.63%	45.65%	54.18%	51.77%	86.95%
Operating Expense	464.10M	891.77M	747.66M	708.09M	862.77M	806.99M	669.38M	789.82M	780.05M	614.53M
Operating Income	288.05M	808.67M	1.16B	721.01M	162.70M	93.77M	172.58M	205.63M	48.29M	-70.26M
Operating Margin	22.05%	23.67%	27.04%	23.25%	8.87%	6.83%	9.36%	11.19%	3.02%	-11.23%
EBITDA	294.64M	819.47M	1.17B	731.93M	168.75M	97.59M	174.83M	207.39M	59.83M	-54.72M
EBITDA Margin	22.56%	23.98%	27.35%	23.60%	9.20%	7.11%	9.48%	11.29%	3.74%	-8.74%
Net Income	235.44M	532.67M	860.91M	534.64M	114.85M	65.21M	135.35M	164.62M	37.78M	-457.58M
Net Income Margin	18.03%	15.59%	20.10%	17.24%	6.26%	4.75%	7.34%	8.96%	2.36%	-73.10%
R&D	8.51M	4.79M	1.42M	2.43M	9.96M	1.60M	760.47K	1.79M	1.01M	-
R&D as % of Total Revenue	0.65%	0.14%	0.03%	0.08%	0.54%	0.12%	0.04%	0.10%	0.06%	-
Interest Expense	442.66M	1.41B	1.94B	1.31B	731.32M	775.57M	784.78M	723.08M	794.52M	497.92M
Interest Expense % of Total Revenue	33.89%	41.26%	45.38%	42.23%	39.87%	56.51%	42.55%	39.36%	49.65%	79.55%

Balance Sheet

Currency: CNY	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Assets	7.81B	18.22B	19.35B	13.30B	12.20B	14.41B	14.48B	16.36B	15.03B	10.26B
Total Liabilities	6.69B	16.38B	16.31B	6.82B	5.87B	8.30B	7.87B	12.36B	10.97B	6.67B
Total Equity	1.12B	1.83B	3.05B	6.48B	6.34B	6.11B	6.62B	4.01B	4.06B	3.58B
Cash	284.73M	1.34B	3.34B	1.84B	2.07B	2.39B	1.92B	2.55B	1.76B	791.85M
Total Debt	6.33B	15.71B	15.32B	7.52B	6.16B	8.09B	7.84B	8.96B	5.95B	4.22B
Net Debt	5.88B	10.86B	7.77B	4.85B	3.59B	5.67B	5.84B	6.41B	4.20B	3.43B

Cash Flow

Currency: CNY	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Operating Cash Flow	379.88M	1.29B	1.33B	1.30B	1.12B	689.69M	919.25M	1.71B	757.23M	82.15M
Investing Cash Flow	-4.70B	-9.58B	641.39M	4.94B	524.05M	-2.35B	-1.10B	-2.48B	-263.67M	3.18B
Financing Cash Flow	4.29B	9.26B	-2.55M	-7.70B	-1.37B	1.93B	-288.16M	1.01B	-1.33B	-4.07B
Capital Expenditure	15.22M	19.76M	14.82M	4.44M	3.22M	3.81M	89.89M	114.50M	7.95M	3.47M
Free Cash Flow	364.66M	1.27B	1.32B	1.29B	1.12B	685.89M	829.36M	1.59B	749.28M	78.68M
Dividends Paid	0	0	0	-	-	-	-	-	-	-
FCF to OCF	95.99%	98.46%	98.89%	99.66%	99.71%	99.45%	90.22%	93.29%	98.95%	95.78%
Dividend Paid to FCF	0.00%	0.00%	0.00%	-	-	-	-	-	-	-

Earnings

Report Date	Dec 31, 2018	Mar 31, 2019	Jun 30, 2019	Sep 30, 2019	Mar 16, 2020	May 26, 2020	Aug 24, 2020	Nov 23, 2020	Mar 16, 2021	May 27, 2021	Aug 23, 2021	Nov 23, 2021	Mar 18, 2022	May 26, 2022	Aug 24, 2022	Nov 22, 2022	Mar 22, 2023	May 26, 2023	Aug 29, 2023	Nov 29, 2023	Mar 28, 2024	May 23, 2024	Aug 27, 2024	Nov 29, 2024	Mar 31, 2025	May 30, 2025	Aug 28, 2025	Dec 2, 2025	Aug 27, 2026
EPS Estimate	-	-	-	-	-	-0.05	-0.30	-0.20	0.40	0.03	0.40	0.30	-0.06	0.03	0.30	0.10	0.03	0.30	0.40	0.40	0.40	0.05	0.04	0.04	0.06	0.00	0.00	0.00	-
EPS Actual	3.96	2.67	3.23	3.42	0.13	-0.05	0.20	0.30	0.70	1.19	0.50	0.10	-1.53	0.30	0.10	0.30	0.40	0.30	0.30	0.40	0.10	0.05	0.04	0.00	0.80	0.00	-6.00	0.00	-
Surprise	-	-	-	-	-	0.00%	166.67%	250.00%	75.00%	3866.67%	25.00%	-66.67%	-2450.00%	900.00%	-66.67%	200.00%	1233.33%	0.00%	-25.00%	0.00%	-75.00%	0.00%	0.00%	-100.00%	1233.33%	-	-	-	-
Timing	-	-	-	-	Pre-market	Pre-market	Pre-market	After-hours	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	-	-	-	-	-	-	-	After-hours

Key Statistics & Ratios

Market Cap33.21M

Enterprise Value2.81B

Trailing P/E0.00

Forward P/E2.18

Price / Sales0.05

Price / Book0.07

EPS-9.86

Book Value28.07

Revenue (TTM)-930.26M

Gross Profit (TTM)-934.13M

Profit Margin0.00%

Operating Margin112.86%

Return on Equity-23.02%

Return on Assets-7.67%

Shares Outstanding6.86M

Shares Float4.88M

Beta-0.15

Dividend Yield0.00%

Dividend Rate0.00

Payout Ratio0.00%

Analyst Ratings

Strong Buy

Based on 1 analystsTarget 20.77

Strong Buy
1

Ownership Breakdown

Institutions: 21.07%
Insiders: 0.84%
Retail / Other: 78.09%

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Stock Splits

Sep 5, 20251:10